professional to help organize medical expenses tracking?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:
If you tell us the column headings you see, maybe we can tell you which ones mean what.

This is the thing that has me tripped up right now. Here's just one example... it is repeated many times per year, for both me and one of the kids. It's for therapy/medication management that is not with an in network provider. I pay the provider directly and then my insurance reimburses me a little bit.

Submitted charges $145
Plan Allowance $94.20
CoInsurance or Copay $32.97
What we paid $61.23
You Owe the provider $145

Note: I PAID the provider $145
BCBS sent me a check for $61.23 (what they were willing to cover)

My FSA looks at this and thinks I paid only $32.97 so that’s all they will allow me to get back from them.

I want $83.77 back from the FSA. That's $145-$61.23 which is what I paid out of pocket.

Two things I should have done:

1) Given the provider my FSA card to charge instead of my cerdit card. That's apparently what I did last year.
2) Gotten an invoice from the provider for each service.

What I have noticed: Last year, I think I got back the full amount from my FSA for what I paid the provider, even though it was reimbursed partially from BCBS. That's my worry/concern - I think I am doing things slightly wrong. I wish I could have someone sit with me and look it all over.

Thanks. I agree you should get $83.77 from the FSA. I would escalate that with the FSA people.* Or else just use the FSA for more straightforward in network or Rx claims.

*I have have to email my FSA provider and escalate when even the first email response was wrong. My issue was different, but they ended up agreeing with me and reimbursing the correct amount. I think some of the claims are read by AI now? Are you submitting a claim for $83.77 or just uploading the EOB? Agree that you need the receipts (superbills) that you paid the provider $145. You can still request the invoices now and resubmit the claims (or submit supplemental info). They can probably give you and annual superbill.

What I would not do as I said yesterday is use the card for the whole $145 because then you're fraudulently counting the $61.23 twice.

To be clear, it wouldn't be fraud if you paid it back to the FSA.

[Anonymous]

We have so many bills where I have to figure what we owe and where the insurance company did something questionable, it never occurred to me to sign up for FSA. Too much paperwork hassle when I am already drowning in paperwork.

[Anonymous]

Anonymous wrote:

If you can't get the FSA provider to fix it, you could deduct the $87.33-32.97 from your taxes.

Also in general don't forget to deduct or claim to the FSA for mileage.

Holy Jesus, if you think I am capable of tracking mileage in order to deduct it!!

[Anonymous]

What is a superbill?

[Anonymous]

Anonymous wrote:What is a superbill?

https://reimbursify.com/everything-you-need-to-know-about-therapy-suberbills/

[Anonymous]

Anonymous wrote:

Anonymous wrote:

If you can't get the FSA provider to fix it, you could deduct the $87.33-32.97 from your taxes.

Also in general don't forget to deduct or claim to the FSA for mileage.

Holy Jesus, if you think I am capable of tracking mileage in order to deduct it!!

I actually believe you are capable of becoming good at this. You have good instincts on the math but you're overwhelmed.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

If you can't get the FSA provider to fix it, you could deduct the $87.33-32.97 from your taxes.

Also in general don't forget to deduct or claim to the FSA for mileage.

Holy Jesus, if you think I am capable of tracking mileage in order to deduct it!!

I actually believe you are capable of becoming good at this. You have good instincts on the math but you're overwhelmed.

Fair enough! Yeah, just the idea of being on the ball enough to calculate and document mileage to from doctors appointments right now is ridiculously crazy. Fact it most of the appointments are telehealth anyway.

[Anonymous]

Does your FSA have a credit/debit card that you can use to access the funds?

[Anonymous]

Anonymous wrote:Does your FSA have a credit/debit card that you can use to access the funds?

Yes - I use it for most things.